We can usually generate the submission right away to tell you exactly how much is covered. Sometimes the insurer will put a hold on the submission to review, in which case they usually get back to us in 3-5 days. We cannot bill to two insurers unfortunately, but we will provide a receipt for the remaining balance, which you can manually submit to your secondary insurer if you have one through your partner. We accept partner/spousal cards if the insurance is under your partners name, we just need their name, birthday, and sex If your insurer isn’t on the below list, we can request via Jane App and Telus E Claims for a specific insurer to be added on your behalf. If is enough interest they’ll likely add them. We don’t direct bill for PTSW, which doesn’t mean it won’t be covered, it’s just that as each provider has different coverage policies for these claims it is more complex than the standard physiotherapy receipts. Please contact your provider for details on coverage and then submit yourself. If there are any issues, we would be happy to help as much as we can, just reach out to us. We direct bill through Telus E Claims and they include the following insurers:

• BPA- Benefit Plan Administrators
• CINUP
• Canada Life
• Canadian Construction Workers Union
• Chambers of Commerce Group Insurance
• Cowan
• D.A. Townley
• Desjardin Insurance
• First Canadian
• GMS Carrier 49
• GMS Carrier 50
• GroupHEALTHGroupSource
• Industrial Alliance
• Johnson Inc
• Johnston Group Inc
• LA Capitale Financial Group
• LiUNA Local 183
• LiUNA Local 506
• Manion
• Manulife Financial
• Maximum Benefit
• People Corporation
• RWAM Insurance Administrators
• Sun Life Financial
• TELUS AdjudiCare
• Union Benefits

Desjardins only reimburses the user, so if you insure with them you will have to pay us in full up front, but we are happy to submit the claim on your behalf.